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Terms & Conditions

1. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must discontinue use of Van Island Business Capital’s website immediately.

2. Definitions and Interpretation

For the purposes of these Terms and Conditions:

  • “You”, “Your”, “User”, or “Client” refers to any individual or business accessing this website.

  • “Company”, “We”, “Us”, or “Our” refers to Van Island Business Capital.

  • “Services” refers to business financing information, application intake, and related services provided by the Company.

All references apply equally regardless of singular/plural use or gender.

3. Nature of Services (Fintech Disclosure)

Van Island Business Capital is a commercial finance facilitator and does not provide consumer banking services, accept deposits, or offer securities.

  • Financing approvals are subject to eligibility, underwriting, and third-party lender criteria.

  • Information provided on this website is for general business purposes only and does not constitute financial, legal, or accounting advice.

  • Submission of an application does not guarantee approval or funding.

4. Electronic Communications

By using this website or submitting an inquiry or application, you consent to receive electronic communications from us, including emails, phone calls, and SMS messages, in accordance with Canada’s Anti-Spam Legislation (CASL). You may withdraw consent at any time.

5. Privacy & Data Protection (PIPEDA Compliance)

Van Island Business Capital complies with the Personal Information Protection and Electronic Documents Act (PIPEDA).

  • Personal and business information is collected solely for legitimate business purposes, including application processing and client communication.

  • Information may be shared with third-party lenders, service providers, or credit bureaus where required to deliver services.

  • All data is handled using commercially reasonable security safeguards.

For full details, please refer to our Privacy Policy.

6. Cookies & Website Analytics

This website uses cookies and similar technologies to improve functionality, performance, and user experience. By continuing to use this website, you consent to our use of cookies in accordance with our Privacy Policy.

7. Intellectual Property

All content on this website—including text, graphics, logos, and design—is the intellectual property of Van Island Business Capital or its licensors.

You may view or print content for personal, non-commercial use only. You must not:

  • Reproduce or redistribute content without permission

  • Modify or exploit materials for commercial use

  • Misrepresent ownership or affiliation

8. Third-Party Links

This website may contain links to third-party websites for convenience or informational purposes. Van Island Business Capital does not control or endorse third-party content and assumes no responsibility for external sites.

9. Hyperlinking Policy

Approved organizations may link to our website provided that such links:

  • Are not misleading

  • Do not imply endorsement or partnership

  • Are contextually appropriate

Use of our logo or branding requires written authorization.

10. No Guarantees or Warranties

While we strive for accuracy, the website and services are provided on an “as is” and “as available” basis. We make no warranties regarding:

  • Funding outcomes

  • Timelines

  • Accuracy or completeness of content

11. Limitation of Liability

To the fullest extent permitted by Canadian law, Van Island Business Capital shall not be liable for:

  • Indirect, incidental, or consequential losses

  • Business interruption or lost profits

  • Decisions made based on website content

Nothing in these terms limits liability for fraud, gross negligence, or matters that cannot be excluded under applicable law.

12. Indemnification

You agree to indemnify and hold harmless Van Island Business Capital from any claims, damages, or expenses arising from misuse of this website or violation of these terms.

13. Governing Law & Jurisdiction

These Terms and Conditions are governed by the laws of Canada and the Province of British Columbia, without regard to conflict-of-law principles. Any disputes shall be subject to the courts of British Columbia.

14. Amendments

We reserve the right to update or modify these Terms and Conditions at any time. Continued use of the website constitutes acceptance of any changes.

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